Embarking on college life often involves taking on debt in the form of student loans. Whilst Federal student loans, scholarships and grants can cover most of the necessary costs of a college education, there is often a shortfall …

American households are finding themselves with major financial problems more and more these days as the amount of available consumer credit keeps going up, and advertisements for such products is everywhere. The credit card industry …

Your daily disposable income (or DDI) is, quite simply, the total amount of money available to you to spend according to your whims each day once all your financial commitments have been taken into account. …

Investments can help you maximize your financial portfolio, and yet most carry some risk. This risk ranges greatly, and individuals differ in the amount of risk they can and should carry. Of course, taking this …

We work hard to make our money and sometimes complain about how we don’t make enough money. However, how many of us can hold up our hands and say that we never waste money? Indeed, …

The rule of thumb for retirement income is that technically, the retiree should still be bringing in around 75 percent of what they were while working. This reduced amount was expected to be enough to …

If you’ve decided to make the exciting move to study away from your home country at an international school, it shows you are ready for a challenge. You may have concerns about going abroad, away …

Disability insurance policies have thier own unique terminology, using language you won’t find in any other insurance policy. Total disabilty : A person is considered totally disable if he is unable to perform all the …

Pack it up and hit the road; just make sure that you insure it properly first. There are two major types of RVs; first, a self-propelled vehicle, such as a motor home. The second type of …

Surely you must have heard of both types of Life Insurance, right? There are several other types that are just variations of Annual Renewable Term Life Insurance. What it boils down to is Cash Value …

Property held by banks, various companies and government entities when they can no longer contact the rightful owner is considered abandoned. The original owner of the property is still entitled to the property, however Massachusetts …

Is there really a connection between paying a bill late and paying more for your auto insurance? Actually there is. It may be controversial to some, but insurance companies in most states now use a …

Spring is that time of year when many people feel the need to start organizing their finances more effectively. Yet, for many people, getting their financial information in order can sometimes leave them feeling overwhelmed …

Small-time scams are fascinating to study, especially when you manage to elude them. Not long ago, I listed my house for sale “By Owner,” in order to save on commissions. If you are attempting such …

We are currently in the midst of trying to sell our Orlando timeshare. It is a beautiful two bedroom with large Roman tub in the master bath, during week 27, which usually falls on the …

Milk is one of those staple foods that are used around the house on a daily basis by a high majority of people. Milk can be used several times per day from breakfast, tea or …

Anyone who goes shopping on Black Friday knows it is a crazy, hectic day.  But amid all of the hustle and bustle, you can get some really good deals.  To make the most of the …

Financial prosperity doesn’t come easily. It takes hard work, discipline, sacrifice, and patience. However, by following a few simple rules, you can get there. Here are the guidelines my wife and I have followed, and …

Most people know the importance of saving money, but many neglect to make regular savings a budgetary priority. These folks wind up living paycheck to paycheck as a result. In a recent study done by …

It is the height of hypocrisy for the state to say that murder is wrong and then turn around and commit murder in the name of justice. If the state wants to put out the …

Puerto Rico is such a beautiful place to be there’s no doubt you will want to get out and about in your city. To do so by an automobile means you must carry auto insurance …

In the realm of insurance professionals, there are two broad types- brokers and agents. Beyond this, agents are either captive agents or independent (non-captive) agents. The word ‘captive’ implies restriction of some form. Captive agents …

Options are contracts which represent certain rights that are dependent on the price of an underlying asset. They come in many different varieties, but the most common are vanilla stock options. Vanilla options are one …

When approached properly, investing is the financial commitment to undertake an educated guess. How do you minimize the risks of making the wrong guess? The Golden Rule in reducing investment risk is: Do not invest …

From your local non-profit police organization to the National Leukemia Foundation, there are so many organizations that accept donations for a good cause. Many people make charitable donations out of honest desire to help others, …

College is one of the biggest expenses most people will ever face and sadly this expense deters many people from going to college but it shouldn’t there are many ways to deal with the expenses …

Although most children are used to dealing with money from a very early age in the form of allowances, gifts, and even bribes it is rare that they are taught how to manage those funds …

Credit cards are the norm in many developed countries and continue to gain popularity throughout the world. They offer a higher purchasing power and often come with fantastic rebates and perks to lure customers. However, …

Nothing! At least at first, there is no reason to worry about a third party collection agency. Why? There are numerous reasons as to why this isn’t as terrifying as it might seem, so not …

Eventually, we all die. A will is a legal document that specifies what should happen to your body and your earthly possessions after you die. Your loved ones should not need to second-guess your intentions. …